Building business credit on your EIN is what you are missing.

Don’t know why you would get an SBA loan at all. Building business credit on your EIN will get you access to all the capital you would ever need at better rates and terms and all without personal credit checks or personal guarantees.

The fees and commissions are ridiculous.

Secondly building business credit on your EIN would cure all this. No more personal guarantees, easily get credit lines of 50k and much better rates 0-5%.